BENTON COUNTY SCHOOLS CREDIT UNION (EIN 930465079) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1953

Legal Domicile

Principal Officer

CASSIE STAGG

Phone

5417547765

Tax Period

2024-01-01 to 2024-12-31

BENTON COUNTY SCHOOLS CREDIT UNION, founded in 1953, is a community nonprofit that reported $2.6M in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $416K, a strong 16% operating margin.

Mission

STATE OF OREGON CHARTERED CREDIT UNION. PROVIDE FINANCIAL SERVICES TO 2,217 MEMBERS. THESE SERVICES INCLUDE, BUT ARE LIMITED TO PROVIDING REAL ESTATE AND OTHER SECURED/UNSECURED LOANS AND VARIOUS SAVINGS PROGRAMS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,586,241

Investment Income $942,917

Other Revenue $50,249

TOTAL REVENUE $2,579,407

Expense Breakdown

Grants Paid $0

Salaries & Benefits $608,216

Fundraising Expenses $0

Other Expenses $1,555,531

TOTAL EXPENSES $2,163,747

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,579,407	$2,314,171	+0.1%
Expenses	$2,163,747	$1,762,569	+0.2%
Net Income	$415,660	$551,602	-0.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$258,766

Total Directors

$19,361

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARGARET S DUSEK	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
KEVIN DECOSTER	VICE CHAIR	1.00	Director	$0	$0	$0
DOROTHY GALLAGHER	SECOND VICE CHAIR	1.00	Director	$0	$0	$0
JOE R TOFTE	SECRETARY	1.00	Director	$6,500	$12,861	$19,361
FORREST CHAMBERS	TREASURER	1.00	Director	$0	$0	$0
AMANDA HELD	CEO	40.00	Officer	$74,430	$18,289	$92,719
CASSIE STAGG	CFO	40.00	Officer	$66,258	$15,606	$81,864
BRANDON BURMEISTER	COO	40.00	Officer	$64,296	$19,887	$84,183

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$2,579,407	$2,163,747	$67,744,991	$415,660
2023	$2,314,171	$1,762,569	$65,186,441	$551,602
2022	$1,932,696	$1,473,835	$73,693,436	$458,861
2021	$1,810,114	$1,525,468	$73,261,332	$284,646
2020	$1,984,827	$1,620,641	$64,725,561	$364,186
2019	$1,992,743	$1,634,619	$56,004,356	$358,124
2018	$1,716,716	$1,451,825	$52,649,936	$264,891

BENTON COUNTY SCHOOLS CREDIT UNION